Plan the year. Then ask the bank.
Quigkar DAC helps small and medium-sized businesses in Ireland map their cash across the year and prepare applications to banks and other licensed lenders for overdrafts, credit lines and working capital finance. The lender makes the decision.
Quigkar DAC does not lend money and is not a bank, a credit union, a retail credit firm or a credit intermediary for consumers. It is not authorised or regulated by the Central Bank of Ireland. We work only with businesses, preparing cash plans and application documents. Lenders decide on every application, and approval is never guaranteed.
Six pieces of a strong application
For limited companies, sole traders and partnerships in trade, services and light manufacturing. Scope and fee are agreed in writing before work starts.
Cash year
A twelve-month cash forecast built from your real sales, costs and payment terms.
Facility size
How large a facility you actually need, with a sensible buffer and no more.
Right product
Overdraft, revolving credit, invoice finance or a term loan, matched to the need.
Accounts summary
Your last accounts and management figures, set out the way a lender reads them.
Document pack
Bank statements, tax clearance, aged debtors and creditors, gathered and checked.
Offer review
Fees, security, personal guarantees and covenants in plain words, with questions to ask.
How big a facility do you need?
Fill in the expected net cash flow for each month: money in minus money out, in thousands of euro. The chart shows your balance through the year and the facility that would carry you through the low point.
Educational sketch only, not financial advice or an offer of credit. Lenders assess affordability, security and your history. Figures stay in your browser.
Frequently asked
Do you lend money or decide on applications?
No. We prepare the cash plan and the documents. Banks and other licensed lenders decide whether to lend, how much and on what terms.
How are you paid?
A fixed fee agreed in writing before work starts. We do not charge a percentage of the facility, and we never ask for a fee to "release" or "guarantee" a loan.
Can you help with a personal loan or a mortgage?
No. We work only with businesses. For personal borrowing, speak to your bank or credit union, or to MABS for free money advice.
What if the bank says no?
Ask the bank for its reasons in writing. You can then ask the Credit Review Office for a free review. We can help you prepare for that review.
How long does preparation take?
It depends mostly on how quickly your figures and documents are available. Once we have them, a typical cash plan and application pack takes a few working days.
Your document checklist
What lenders usually ask for. Tick off what you have; the list stays on this page only. Your lender may ask for more or less.
Ask these first, at no cost
Free and public
- Your own bank, before anyone else: ask what it needs and how long it takes.
- Credit Review Office: a free review if a bank refuses or reduces credit to your business.
- Local Enterprise Office: free mentoring and supports for small businesses.
- Microfinance Ireland: loans for micro-enterprises that banks have turned down.
- SBCI: state-backed loan schemes offered through participating lenders.
Our limits
- We do not lend, guarantee, or hold or pass on money.
- We do not arrange credit for consumers or personal borrowing.
- We do not promise approval, a rate or a limit.
- Tax and legal questions go to your accountant or solicitor.
Fraud warning. A real lender never asks for an upfront fee to "release" a loan. If anyone asks for money in our name, do not pay. Report it to An Garda Síochána and let us know by email.
Book a planning call
Tell us your sector, turnover and what the cash pressure is. We reply with the scope and a fixed fee.